Senior Underwriter (P&C)

Neural Earth, Inc.; United States; On-site; USD 170,000 - 198,000; Full time

Benefits offered by this job

Competitive base compensation

Performance bonuses

Health, dental, and vision insurance

Flexible PTO

Life insurance at 2x base salary

HSA/FSA options

Job summary

Neural Earth is seeking a Senior Underwriter to sit inside carrier books, run Prometheus against exposure, and explain model divergences to senior executives. The role blends practitioner authority with commercial impact, owning accounts and the numbers.

Responsibilities include underwriting in complex wind/wildfire scenarios, drafting diagnostic memos, and shaping product strategy with engineering and the CEO. Travel ~40% may be required.

Qualifications

• 6 to 9 years inside a carrier, reinsurer, or MGA: pricing actuary, underwriting manager, cat modeling lead, or portfolio manager.

Responsibilities

• Underwrite alongside the customer and embed in carrier or reinsurer's actual book.
• Draft a memo diagnosing a loss ratio divergence and recommend a decision.
• Define new category/account strategy and argue the line should exist with the buyer as a peer.
• Translate learnings from the bound book into the product roadmap with engineering and leadership visibility.
• Diagnose divergence and articulate which is which in public settings.

Skills

Underwriting experience

Loss ratio ownership

Rate filings

Treaty renewal knowledge

Education

Experience in pricing actuary/underwriting leadership

Tools

Touchstone

RMS

AIR

Job description

THE COMPANY

We are NEURAL EARTH. We bring clarity to physical risk, enabling leaders to engage with confidence and enact resilient, business-critical decisions. Today's environmental, economic, and infrastructure challenges are deeply interconnected, yet the data required to understand these relationships is scattered across siloed and aging systems. Neural Earth enables operational execution, delivering a single decision intelligence platform that unifies planetary, governmental, and asset-level data, always on and always learning. This is technical work that requires patience. It requires teams willing to operate at the intersection of AI research, geospatial science, distributed systems, and enterprise deployment. It is also incredibly rewarding. Join us at Neural Earth — the next frontier is here.

THE TEAM

Neural Earth's Revenue team is the commercial engine of the business, translating our decision intelligence platform into market opportunity, pipeline, and customer value. The team spans sales, customer success, and go-to-market strategy, in close partnership with Product and Engineering. We are building a revenue motion in a technically complex enterprise space largely from scratch, and this role is among the first two or three hires who will define how that motion actually works. You come before the Head of Sales, not after: companies that invert that order get repositioned as vendors by their own go-to-market, and Neural Earth is not doing that. The work you do here shapes how Neural Earth shows up in the market and how buyers understand what they are buying.

THE ROLE

You have sat in the seat we are selling into. That is the job requirement. You have owned a loss ratio, defended a rate filing, and watched a vendor model tell you something about your own book that you knew was wrong, deciding what to do about it with a renewal deadline in front of you. As a Senior Underwriter, you are the first Neural Earth person in the room with a Chief Actuary, and often the only one: you will sit inside a carrier's book, run Prometheus against their exposure, and explain the divergence to the person whose signature is on the rate. You report to the Head of Revenue while working closely with the CEO securing revenue. This is not a sales seat with a technical wrapper. It is a practitioner seat with commercial authority: you own the account, the technical argument, and the number. This is you!

HOW YOU'LL BE SUCCESSFUL

• Underwrite: Alongside the customer. Embed in a carrier or reinsurer's actual book, Florida wind, California wildfire, Texas hail. Run Prometheus against their in-force exposure and find where the incumbent model is wrong, proving it at parcel resolution.

• Author: The memo that circulates when you are not in the room. A one-page memo to a Chief Actuary that diagnoses a 12-point loss ratio divergence, concedes what it should concede, and recommends a decision.

• Create: The category, account by account. You are not competing for an existing budget line, you are arguing the line should exist, and that argument only lands from someone the buyer recognizes as a peer.

• Turn: The field back into the product. What you learn inside the book becomes the roadmap, with direct, unfiltered access to engineering and the CEO, and the expectation that you use it.

• Diagnose: Divergence and say which is which out loud. You will be right sometimes and wrong sometimes, and that honesty is not a soft skill here, it is the entire sales motion.

WHY WE VALUE YOU

• You have sat in the seat we are selling into. That is the job requirement.

• You have owned a loss ratio, defended a rate filing, and watched a vendor model tell you something about your own book that you knew was wrong.

• You bring 6 to 9 years inside a carrier, reinsurer, or MGA: pricing actuary, underwriting manager, cat modeling lead, or portfolio manager, carrier-side first, and longer than any vendor tenure.

• You have personal ownership of a loss ratio, a rate filing, or a treaty renewal, and can name the book, the state, the year, and the number.

• You have practitioner fluency in Touchstone, RMS, or AIR, as a user who distrusted an output, not as someone who sold or integrated one.

• You have a real network at the decision layer: fifteen or more Chief Actuaries, Chief Underwriting Officers, and Heads of Cat Modeling who would take your call today. Not brokers. Not IT.

• You write. You have argued a position and shown the math in a memo, a filing narrative, or a whitepaper, anything longer than a slide.

• You will be wrong in public. In the first ten minutes of a meeting, you will tell a Chief Actuary where our model diverges from theirs and why we might be the ones who are off.

• You see this as a practitioner seat with commercial authority, not a sales seat with a technical wrapper. You own the account, the technical argument, and the number.

• You are not an Account Executive who positions our platform as a data feed with a feature list to land a pilot, and you are not a cat modeling scientist without commercial instinct: you convert credibility into decisions, not just a well-respected pipeline.

REQUIREMENTS

• 6 to 9 years inside a carrier, reinsurer, or MGA: pricing actuary, underwriting manager, cat modeling lead, or portfolio manager. Carrier-side first, longer than any vendor tenure.

• Personal ownership of a loss ratio, a rate filing, or a treaty renewal. Able to name the book, the state, the year, and the number.

• Practitioner fluency in Touchstone, RMS, or AIR, as a user who distrusted an output, not someone who sold or integrated one.

• A real network at the decision layer: fifteen or more Chief Actuaries, Chief Underwriting Officers, and Heads of Cat Modeling who would take a call today.

• Ability to accommodate travel as needed (~40%).

COMPENSATION

The salary range for this position is $170,000 to $198,000 annually, reflecting progression within the role based on demonstrated growth and impact.

At Neural Earth, we believe in pay equity, transparency, and rewarding growth. Our compensation philosophy is built on an equitable model with offers based on role, level, and expertise. This approach ensures that all employees are paid fairly and equitably without the influence of external factors like negotiation skills or previous pay history. This structure provides clarity, consistency, and alignment between pay, performance, and career development.

BENEFITS

At Neural Earth, taking care of our people isn't just something we strive for, it's who we are. Our comprehensive benefits package is designed to support you at every stage, whether you're advancing your career, growing your family, or planning for the future. From day one, you'll have access to:

• Competitive base compensation regardless of work location

• Company performance-based cash bonuses

• Majority employer-paid health, dental, and vision insurance for you and your dependents

• Flexible Paid Time Off (PTO)

• Group Life Insurance at 2x your base salary, paid by the company

• FSA and HSA options to maximize your healthcare dollars

We know that when people feel supported, they can focus on what matters most at Neural Earth which is doing great work, growing in their careers, and making a meaningful impact.